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2015 Ford Escape Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 1, 2021

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Average insurance rates for a 2015 Ford Escape are $1,088 a year for full coverage insurance. Comprehensive insurance costs an estimated $218, collision costs $350, and liability insurance costs around $384. Buying a liability-only policy costs as low as $432 a year, with high-risk insurance costing $2,344 or more. Teen drivers receive the highest rates at $4,144 a year or more.

Annual premium for full coverage: $1,088

Rate estimates for 2015 Ford Escape Insurance

Comprehensive $218
Collision $350
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Ford Escape models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $432 for just liability coverage to the much higher price of $2,344 for a high risk driver.

Liability Only $432
Full Coverage $1,088
High Risk $2,344

View Chart as Image

2015 Ford Escape insurance rates compared
Column chart showing 2015 Ford Escape insurance prices range from $638 to $4,144 for full coverage

These differences illustrate why everyone should compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2015 Ford Escape Insurance

Searching Companies

Drivers have many options when trying to find the lowest priced Ford Escape insurance. You can either waste hours driving around getting price quotes or utilize the internet to find the lowest rates. There is a better way to find insurance coverage online and you need to know the absolute fastest way to price shop coverage for your Ford and obtain the cheapest rates from local insurance agents and online providers.

You need to shop coverage around periodically since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Escape coverage on your last policy a different company probably has better rates today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.

Discounts can save BIG

Companies don’t necessarily list every available discount very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are throwing money away.

  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • One Accident Forgiven – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
  • Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
  • Homeowners Savings – Being a homeowner can help you save on auto insurance because owning a home shows financial diligence.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy qualifies for this discount.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

For a list of insurance companies with the best auto insurance discounts, click here.

Will just any policy work for me?

When choosing the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

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For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Does my 2015 Ford Escape qualify for pleasure use?
  • Am I covered when delivering products for my home-based business?
  • Is pleasure use cheaper than using my 2015 Ford Escape to commute?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my spouse’s policy after a separation?
  • Is my Ford Escape covered if I use it for business?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all seem to have a common claim that you’ll save big if you switch your policy.

How can each company claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the type of customer they prefer to insure. A good example of a profitable customer might be between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get the preferred rates and most likely will save a lot of money.

Consumers who don’t meet the requirements will be charged higher rates and this can result in business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims. That is why you should compare as many rates as you can. It’s just too difficult to predict which car insurance company will give you the biggest savings on Ford Escape insurance.

Coverage specifics

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escape.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as legal defense fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like prosthetic devices, funeral costs, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, fire damage, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This coverage covers damage to your Escape from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Summing up your auto insurance search

We’ve covered quite a bit of information on how to compare 2015 Ford Escape insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small local company.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, high prices, poor customer service or lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider can be pretty painless.

Lower-priced insurance can be bought online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional auto insurance information is available on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Ford Escape Insurance Rates by City
City Premium
New York City, NY $1,713
Los Angeles, CA $1,857
Philadelphia, PA $1,450
Jacksonville, FL $1,575
Phoenix, AZ $1,260
Chicago, IL $1,454
Houston, TX $1,703
Seattle, WA $1,056
Columbus, OH $905
Indianapolis, IN $927

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Ford Escape Insurance Rates by Driver Age
Driver Age Premium
16 $4,144
20 $2,490
30 $1,122
40 $1,088
50 $996
60 $976

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford Escape Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,336
$250 $1,222
$500 $1,088
$1,000 $958

Full coverage, driver age 40

Rates by Liability Limit

Ford Escape Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,088
50/100 $1,165
100/300 $1,261
250/500 $1,510
100 CSL $1,203
300 CSL $1,414
500 CSL $1,568

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford Escape Insurance Rates for High Risk Drivers
Age Premium
16 $5,892
20 $3,964
30 $2,384
40 $2,344
50 $2,236
60 $2,214

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $149

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $57
Homeowner $17
5-yr Accident Free $75
5-yr Claim Free $70
Paid in Full/EFT $46
Advance Quote $52
Online Quote $76
Total Discounts $450
Rate after discounts $638

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2015 Ford Escape Insurance Rates by State
State Premium
Alabama $980
Alaska $832
Arizona $900
Arkansas $1,088
California $1,238
Colorado $1,036
Connecticut $1,116
Delaware $1,228
Florida $1,358
Georgia $1,004
Hawaii $782
Idaho $738
Illinois $808
Indiana $820
Iowa $732
Kansas $1,030
Kentucky $1,482
Louisiana $1,608
Maine $670
Maryland $896
Massachusetts $866
Michigan $1,886
Minnesota $910
Mississippi $1,302
Missouri $964
Montana $1,166
Nebraska $856
Nevada $1,302
New Hampshire $782
New Jersey $1,212
New Mexico $960
New York $1,142
North Carolina $626
North Dakota $890
Ohio $748
Oklahoma $1,116
Oregon $996
Pennsylvania $1,036
Rhode Island $1,448
South Carolina $984
South Dakota $918
Tennessee $950
Texas $1,310
Utah $802
Vermont $742
Virginia $650
Washington $838
West Virginia $996
Wisconsin $750
Wyoming $968

Free Auto Insurance Comparison

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